Services of CIB The CIB bank provides a wide variety of services to consumers and corporate businesses.

CIBs segments are institutional banking, consumer banking and investment banking. We will start with consumer banking; CIB offers a wide array of consumer banking products which includes: 1) Personal loans focus on employees of our corporate banking clients and offers full secured overdrafts and trade products. 2) Auto loans in positioned to actively support this growing market in the coming week. 3) Deposit account offers a wide range of account types to serve our clients deposit and saving needs, including tailored accounts for minors, youth and senior citizens as well as certificates of deposit and care accounts. This is in addition to our standard range of current, savings and time deposit accounts. 4) Residential property finance provides loans to finance home purchase, as well as residential construction, refurbishment and fishing. 5) Credit and debit card

Corporate business services

In the corporate business there is a corporate banking that acts as the Bank's financing and underwriting arm. CIB is renowned for its corporate franchise reputation that has been established as a result of its extensive expertise in various sectors of the economy. The group's foremost target aims at promoting the nation's economic development. Accordingly, it is committed to closely monitor the performance of projects and economic entities, with the purpose of ensuring their viability. Efforts exerted are based on the belief that economic viability on the micro level is certain to contribute and promote macroeconomic welfare. The groups segregated industries are: automotive, agribusiness and poultry, consumer durables, chemicals, cement, detergents, electronics, food, household appliances, infrastructure and construction, oil and gas, paper

The second service is institutional banking: 1. Corporate banking rule: known across the Egyptian market for its strong culture the corporate banking group is the banks, financing and underwriting arm and provides best in class structures and advisory services, calling on its extensive expertise in a broad range of economic sectors while promoting product and service catering to hire customers. The group for most goals is to advance the nations economic development.

2. The financial institutions group provides a variety of quality products and services through 4 divisions: 1. Correspondent banking divisions (CBD), nonbanking financial institutions division (NBFI), finance programs and international donor funds divisions (FP & IDFD), and structure trait financial division. 3. Treasury and capital market: It is a top profit center for the bank, providing clients with a wide range of products and services. The department deals primarily with large corporate clients and mid-cap companies as well high-net worth individuals. TCM also deals with businesses that are connected with CIB branches as well as with financial institution including funds, insurance companies and others. TCM provides products including foreign exchange and money market trading activities, primary and secondary government debt training, management of interest rate gapes, and pricing of foreign and local currency deposits. Foreign exchange and interest rare products are used by its costumers for both investment and hedging.

4. Asset and liability management as part of the treasury group is responsible for the management of liquidity and interest rate risk with external and internal parameters while complying with the CEB regulatory ratios and guide lines. The section also sets pricing of deposits and loans and manages the propriety book. 5. Global transaction service: The GTS group with in CIB has been formed to insure that the ever changing technological demands of CIBS clients are addressed. Accordingly, the group has mandate to introduce new channels and products to the banks clients. GTS serves as a key product group with in the bank and over sees the products areas for trade finance, cash management and payments, and global securities services.

6. Cash management and payments: CIB is a provider of both standardized and tailored cash management products and solutions that improves the management of incoming and outgoing payments, streamline and reconciliation and information management, and enhances working capital efficiency. The product offering includes a number of innovative payments and payables products, and standard and tailored information reporting delivered via a variety of channels including a new online banking channel, called CIB cash online. 7. Global securities services (GSS): It is a market leading and award winning custodian bank and offers a broad range of custody and securities products and services to institutions, individuals and government entities. CIB is the sole sub-custodian for all Egyptian depository receipt programs and the leading provider of trustee services in the market. The offering includes local and international custody services, local subcustody services for GDR programs and trustee services for securitization transactions.

8. Global customer relations (GCR): it is a relationship management function serving the needs of select CIB clients. GCR rolled out in 2011 the banks vision of becoming a one-stop shop for financial solutions rather than serving as an in market provider of products.

Future products or services the company plan to provide: New products may be tailor-made to

consumer segments

Administrative/personnel issues

1) Location: the locations are Giza head office, downtown, smart village (HR & operations). Head office is in a central location and can be accessed from different routes, but is currently in a very crowded area, and the building itself is getting old and this building is overloaded and it is hard to reconstruct it again. SMART village got problems of traffic also, but the building is very new and well designed and looks modern. There are higher safety measures also in SMART village along with better parking spaces. CIB has 157 branches in all Egypt. 2) Legal structure: The bank was established according to the ruling of the 43 rd law of 1974 that deals with the investment of Egyptian, Arab, and foreign funds. The owners are the shareholders, they have 9.20% actis. The other 90.80% are free float, they are people who are buying and selling in the stock market

3) top Management and board of directors:

Hesham EZZ AL-Arab: (chairman & managing director) He joined CIB as a deputy managing director in 1999 with a vision to transform CIB from a niche corporate bank into Egypts leading financial services group catering to the needs of both retail and corporate customers. Hisham Ramez abdel Hafez: vice chairman & managing director He brings to his new role a wealth of knowledge that he has gained from a distinguish career with various local and international banks. Hussein Abaza: CEO Institutional banking He was responsible for bank wide credit, market and operational risk, And investor relations Mohamed al toukhy: CEO consumer banking Under his stewardship, all of the banks assists and liabilities business are on solid gross trajectories and CIB has taken leadership positions in credit cards, auto loans, personal loans, current and saving accounts, time deposit, certificate of deposit and investment.

Top management responsibilities.

1 - FULFILLS KEY ROLES

INTERPERSONAL ROLES FIGUREHEAD LEADER :LIAISON

INFORMATIONAL ROLES MONITOR DISSEMINATOR SPOKESPERSON

DECISIONAL ROLES INNOVATOR / ENTREPRENEUR (PLANNER) DISTURBANCE HANDLER (CRISIS MANAGER) RESOURCE ALLOCATOR (SLICING-THE-PIE)

NEGOTIATOR (BARGAINER) 2 PROVIDES CORPORATE LEADERSHIP

ARTICULATES A TRANSCENDENT GOAL FOR THE FIRM PROVIDES A VISION OF THE FUTURE SEES THE FIRM NOT AS IT ISBUT AS IT CAN BECOME COMMUNICATES HIGH PERFORMANCE STANDARDS SHOWS CONFIDENCE IN SUBORDINATES PROVIDES GOALS, AUTONOMY, MENTORING PRESENTS A ROLE FOR OTHERS TO INDENTIFY WITH SETS AN EXAMPLE IN BEHAVIOR AND DRESS COMMUNICATES VALUES CLEARLY IN WORDS & DEEDS

3 MANAGES STRATEGIC PLANNING INITIATES/MANAGES THE STRATEGIC PLANNING PROCESS SEEKS INFORMATION LONG-RANGE PLANNING STAFF DIVISIONAL (SBU) MANAGERS

FUNCTIONAL AND DEPARTMENTAL MANAGERS TOP MANAGEMENT TEAM

Board of directors responsibilities

Responsibilities of the board of directors Establish vision, mission and values

Determine the company's vision and mission to guide and set the pace for its current operations and future development.

Determine the values to be promoted throughout the company. Determine and review company goals. Determine company policies

Set strategy and structure

Review and evaluate present and future opportunities, threats and risks in the external environment and current and future strengths, weaknesses and risks relating to the company. Determine strategic options, select those to be pursued, and decide the means to implement and support them. Determine the business strategies and plans that underpin the corporate strategy. Ensure that the company's organizational structure and capability are appropriate for implementing the chosen strategies.

Responsibilities of directors Directors look after the affairs of the company, and are in a position of trust. They might abuse their position in order to profit at the expense of their company, and, therefore, at the expense of the shareholders of the company. Consequently, the law imposes a number of duties, burdens and responsibilities upon directors, to prevent abuse. Much of company law can be seen as a balance between allowing directors to manage the company's business so as to make a profit, and preventing them from abusing this freedom. Directors are responsible for ensuring that proper books of account are kept. In some circumstances, a director can be required to help pay the debts of his company, even though it is a separate legal person. For example, directors of a company who try to 'trade out of difficulty' and fail may be found guilty of 'wrongful trading' and can be made personally liable. Directors are particularly vulnerable if they have acted in a way which benefits them.

The directors must always exercise their powers for a 'proper purpose' that is, in furtherance of the reason for which they were given those powers by the shareholders. Directors must act in good faith in what they honestly believe to be the best interests of the company, and not for any collateral purpose. This means that,

particularly in the event of a conflict of interest between the company's interests and their own, the directors must always favour the company. Directors must act with due skill and care. Directors must consider the interests of employees of the company.

Role of the chairman The chairman's role includes managing the board's business and acting as its facilitator and guide. This can include:

Determining board composition and organization; Clarifying board and management responsibilities; Planning and managing board and board committee meetings; Developing the effectiveness of the board.

Personnel: there are 4845 employees working in the CIB, they are serving 567,134 customers The Necessary qualifications: good command of English, and computer and communication skills, presentable, fresh graduate from a university, commerce or business preferable, engineer (if they have taken some business courses), political science or economics. Working hours: Official working hours from 8 am till 3.30 or 5 pm depending on the branch

Accounting and legal: Accounting Accrual system for daily accounting which is overseen by the finance department with a separate group of specialized individuals that are responsible for this. Periodic financial statement analysis is done by the Investor Relations department and the finance group. Legal International arbitration law or commercial law, and the bank has a legal department. If a problem occurs there is a first negotiation usually. Cases can be filed by employees, or companies dealt with by the bank. All work in the CIB is carried out under the laws of Egypt

Insurance: Insurance for employees medical (benefit) and social (by law) , BUPA for seniors and social fund All bank property insured, staff insured, visitors to the bank insured, any asset in the bank is insured, drivers and car insured, Misr insurance takes care of all these types Anti-terrorist and anti-riot protection and insurance (one of only 3 banks in Egypt also a STRENGTH) as many did not foresee problems in the future Directors and officers liability insurance (insurance against the decisions made by executives that could lead to losses for the bank) Chartis Insurance UK based (unique to CIB and a STRENGTH) Costs: Insurance per person costs.

Security The FALCOM Company is responsible for CIBs security and it differs how many security each branch needs.

Reference. http://www.brefigroup.co.uk/directors/directors_roles_and_responsibilities.html